Lynn Harton | Chairman & Chief Executive Officer |
Jefferson Harralson | Chief Financial Officer |
Rich Bradshaw | President & Chief Banking Officer |
Rob Edwards | Chief Risk Officer |
Jennifer Demba | Truist Securities |
Catherine Mealor | KBW |
Kevin Fitzsimmons | D. A. Davidson |
Brody Preston | Stephens Incorporated |
Christopher Marinac | Janney Montgomery |
Michael Rose | Raymond James |
Good morning. And welcome to United Community Banks Quarterly Earnings Call. Hosting the call today are Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; President and Chief Banking Officer, Rich Bradshaw; and Chief Risk Officer, Rob Edwards. United's presentation today includes references to operating earnings, pre-tax, pre-credit earnings and other non-GAAP financial information.
For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the Financial Highlights section of the earnings release, as well as at the end of the investor presentation.